Lumio

Lumio is a financial app designed specifically for couples who manage their money separately but want clarity on shared expenses. It connects to your individual bank accounts via secure Open Banking, then creates a shared dashboard where you can see combined spending on household bills, subscriptions, and one-off purchases. You control exactly what financial data is visible to your partner—specific transactions, account balances, or entire accounts can be kept private or shared with a few taps.

The tool automatically categorizes transactions and calculates who owes what, eliminating manual spreadsheet tracking or mental math. It stands out by finding and tracking all your shared subscriptions automatically, sending price change alerts, and providing a clear snapshot of both personal and joint spending. Security is a priority; it uses bank-grade encryption, never stores your login credentials, and is a read-only service, so no one can move money through the app.

Lumio is ideal for couples who live together but maintain separate finances. It solves real friction points like splitting grocery bills, managing recurring Netflix or energy payments, and avoiding awkward conversations about money. Users report it’s particularly useful for those who want the oversight of a joint account without actually opening one.